By Jim Droz
Silver linings and seeing the glass as half full have been hard to envision with the recent grim economic news.
But plunging mortgage rates at least one sign of optimism for homeowners.
The average rate for 30-year fixed-rate mortgages fell to 4.54 percent for the week ended Aug. 3, according to consumer-information site Bankrate.com — not far from the record low of 4.42 percent in November 2010. The average rate on 15-year fixed-rate mortgages dropped to 3.68 percent, a record low.